Lexus IS 250 Insurance Rates

The average insurance prices for a Lexus IS 250 are $1,502 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $362, collision costs $688, and liability insurance is $316. Liability-only insurance costs around $376 a year, with high-risk driver insurance costing $3,252 or more. Teen drivers cost the most to insure at $5,366 a year or more.

Average premium for full coverage: $1,502

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different IS 250 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying on price averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates estimated Lexus IS 250 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $844
• Raising to $1,000 deductibles will save $238 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,502
• Choosing more expensive low deductibles costs an extra $464 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,252 or more
• Policy cost to insure a teen driver with full coverage can cost $5,366

Auto insurance rates for a Lexus IS 250 also range considerably based on liability limits and deductibles, your risk profile, and the model of your IS 250.

Choosing high deductibles can reduce rates by up to $710 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 134% more than average. View High Risk Driver Rates

Your home state also has a big influence on Lexus IS 250 insurance rates. A middle-age driver might find rates as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,030 on average in Florida, New York, and Michigan.

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Cheap Lexus IS 250 Insurance

Finding cheaper rates on Lexus IS 250 insurance consists of being a safe and courteous driver, having a good credit score, being claim-free, and not having any coverage lapses. Spend time shopping around at least once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below is a quick review of the primary concepts that were touched on above.

• It is possible to save around $190 per year simply by shopping early and online
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,750 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $700 each year
• Teenage drivers have the highest car insurance rates, possibly costing $447 each month if comprehensive and collision insurance is included